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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by debtinfo[/i] [br]If you have no IPA by the time you are discharged then you wont ever have one regardless of your earnings later. As to whether you should challange without more details it would be difficult to say, Did you take a loan shortly before the bankruptcy, how did you think you would pay it back, was it a material amount in the bankruptcy, did it hinder you in paying other creditors, what wold have happened if you didnt take the loan, what did you spend it on, was it the basics in life or was it spent on other things, lots of stuff to consider. I dont know any of your situation but most people dont think they deserve one but obviously some people do [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.